Re: Hello Discover - Bye Bye Cap One (secured)

Congrats on the Discover! Sounds like you're on your way. As far as the Chase Freedom goes, you're right that it's a great card to have but if you can be patient, they will likely send you a pre-approval in the mail very soon, that's what happened with me after I got my first Discover card 2 or 3 years ago. I think Discover is a great way to transition into playing with the big shots. Plus, unless you plan on traveling this Fall/Winter (airfare or hotels) or shopping a lot at Best Buy or Kohls, the bonus categories for Chase Freedom for this quarter wouldn't benefit you much. I'm actually sock drawering my Freedom just until January, when they should bring back Gas, Groceries, Movies, or Restaurants (or a combination of some of the above)

It's a TL that is reporting green. Are you having to pay anything for it? Have you tried to app for a non-secured Cap1? Just thinking out loud here.

Well I have a non secured from CapOne, which I will keep. The no FOREX fee is nice, when I am in Germany. Discover is not much use there. And even if I close my secured, the total TL will increase (yes, yes I know I took at least one more hit on one or more cr). I have no more use for this card and it will stay on my reports for 10 years.

I have the Zync with a nice NPSL already and in worst case a MC from Germany with a nice TL also. And the secure deposit does not earn any money at Cap One.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair
organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or
assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.